Peer Data for New England Banks — Second Quarter Report, 2025

The data includes a number of key credit quality, performance, and capital adequacy ratios. We also include simple averages for each state and comparable ratios for all FDIC-insured institutions in the $100 million to $1.0 billion and $1.0 billion to $10.0 billion ranges.

For community banks nationally:

• Net income for the quarter increased from Q1 2025 due primarily to higher net interest income.
• Net interest margin increased over Q1. Yields on earning assets increased slightly from the prior quarter, while costs of funds remained unchanged.
• The provision for credit losses increased 29% over Q1 and 48% over the same period in 2024.
• Loan growth remained positive and was broad-based across most loan categories, except auto loans.

In New England, for the 6-month period in 2025 as compared to the prior quarter: 

• Net interest margins increased slightly, with a slight increase in yield on earning assets and a slight decline in cost of funds. NIM and yield on earning assets margins remain lower than national averages, whereas cost of funds are in line with national averages.
• Net loan charge-offs decreased slightly from prior quarter and remained lower than national averages.
• Non-performing loans to total loans increased slightly from prior quarter but remained lower than national averages.
• ACL to non-performing loans decreased significantly from prior quarter but remained higher than national averages. 

As always, feel free to contact us with any questions.

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